Category: KFZ-Versicherung Forum

Hello, I have been wondering for a long time what it looks like with warranty or warranty, which the car dealers actually have to give. Mostly it is with cars that are older so that in the ads stands “sale on order”. Then about some private person in the (large) family of the dealer (corrects me if that is different), this car is sold. Thus a private sale, although it actually has a dealer sold. But a private person can not also be arbitrary v iele Autos verkaufen?! Second question, how can dealers legally sell an old but intact car? and another 3rd question: A dealer must give warranty (so 6 months themselves liable for any defects). Mostly you offer a warranty insurance against extra charge. That means, this warranty insurance covers all (?) damages? Greetings Frank

Hi, I was in the car wash yesterday before changing the tires. In the end, just wash off for 5€, which it doesn’t look so bad. I got off after the car wash, just wiped the entry strips for a short time. When I was in the workshop I suddenly see a dent on the roof. I am 100% sure that I would have noticed it before, if it had been long. Looks like the one with the spotlight hit the roof, because also a lei What would you do? Go back there again? Can you save something, since it is already a day after that. Greet Marcel

Aii people, I had an accident with my Corsa a couple of months ago. A girl ran across the street without peeking and was hit by me. I had 3 eyewitnesses who all told the police that I was not responsible for the accident, the girl herself admitted it and the police then also gave me right in her report. When I then came into contact with the insurance of the girl, I honestly thought, in such a clear and unambiguous situation, w I had to wait 7 weeks for the insurance to come out of my ass to send an expert who looked at my car. I then thought that it would end soon, until I got a letter from the insurance company, in which they told me that they were in accordance with §7 Road Traffic Code (“When operating a vehicle or a trailer, the vehicle is in use”). u is destined to be carried by a motor vehicle, a person killed, a person’s body or health injured or a thing damaged, so the owner is obliged to compensate the injured person for the resulting damage.” only for 75% of the damage will arise. In the factory I was told that they had never experienced such impudence before. I also thought I was crazy. I have an appointment with the lawyer on Wednesday, in the worst case the girl will be I just wanted to know, has someone here an insurance already come with the §7 stvg as an excuse not to pay the damage? Has someone had experience with it? I find it so bold and naughty. mfG

Hello, I have a somewhat special question. I have insured my car as a second car over my father’s liability. My brother has also insured a car as a first car over my father’s liability (45%) + all-inclusive (45%). Now I want to buy a relatively new car next year with which I then also need a comprehensive insurance. Since I am currently only driving around with liability I would get into it with the all-inclusive relatively high next year. Now I wanted to know if me n plan would work that way. I want to get my brother to re-register the insurance on his name and take the percentages he currently has about my father. My brother drove the percentages down so it would have to work. Then I want to register the new car that I buy a few months later on my father as a first car so that I get in with lower percentages. Would my plan work? The decisive things are whether my brother can simply take over the percentages and whether the percentages are still available with my father as a first car so that I can use them. Wouldn’t be bad if something like this works because comprehensive with high percentages is expensive. Is a bit complicated but hope you understand what I mean. I should actually know this the insurance questions but wanted to inform me in advance already if this is realistic, because it still has time until shortly before November.

Moin together, one more question : I unfortunately produced a small accident in December 2011 while parking (only lightest scratches) with my mother’s car. We reported the accident in January 2012 of the car liabilityV. As a result, my mother in the damage freedom class has significantly upgraded for the year 2012. Now it’s the case that my mother wanted to give me the car for a long time.We now plan to transfer the car to me. Then in case of admittance would be Is it possible to cancel the old insurance policy of my mother automatically? With the result that the old compulsory insurance company could only require a share of the annual amount until my mother’s termination, but would still have to be fully liable for the damage caused by 2011 or? My question: can the “old” compulsory insurance company take recourse in such cases? Otherwise, any policyholder could be liable for a breach of the law. in case of increased premium quite easily evade by selling or decommissioning the car.. Thank you.I hope I was not too complicated… Admiral

Hello Motor-talk people, I will soon be finished with my driver’s license and wonder how it is best to insure a car as a beginner. My situation: I live in Berlin and am 19 years old. I have the problem that my mother with whom I live has no driver’s license. My father lives in England, has a driver’s license and owns a vehicle. My grandmother has no driver’s license, which also lives in Berlin. My grandfather has a foothold. My uncle lives in Munich who owns a driver’s license, but not a car. He drove his own car for a few years. My step-daughter is not married to my uncle, who also lives with him in Munich. She owns a vehicle and a driver’s license. I would like to have the car insured at the HUK-Coburg or at HUK24.de. Now to my question: en: Can I have the car insured on my grandfather and can I then drive the vehicle and enter later in a cheaper SF class? Can I have the car insured on my uncle or steptante, who live in Munich, but the vehicle is run in Berlin and later also take over the SF discount? If so, what would be cheaper? Let the car be insured as a second car and must it be the same insurance? Will I be forced with 240% (1300-1550 € at HUK) a How can you best prove to have driven a vehicle (because of the insurance)? I would be happy if you would leave answers.

Good day community, I had a car accident last year, a few days before Christmas. I was hit by someone, so far as good, he is to blame. Because of lack of time (and because I was not in my home town) I wanted to have the damage repaired as soon as possible. I was advised to have it done at one of their partner workshops. That sounded great, of course, because only original parts are installed. I also got rental cars (since In the new year my car was ready to pick up and from my layman’s point of view also professionally repaired. Today I was then to the spring check and TÜV appointment in my workshop. To this I described then also what happened and he said that the damage was not repaired properly. To the damage: – the rear bumper was completely replaced – the trunk flap was depleted According to my workshop wu If the boot flap is not properly fitted, it is only fast and good. Furthermore, the flap is pulled out in the event of an accident, which was then not properly adjusted again, too small openings between the flap and the rest of the car. Furthermore, the workshop of the insurance company had told me that the right rear fender, on a bracket rust, could break this. He wanted to repair this immediately, at my expense of course, but what I denied. Sorry for my layman Now, of course, my question: What rights do I have? Can I have the damage repaired at my workshop or do I have to go back to the insurance workshop? But this is 90 km away from my place of residence. If I have to go back to the insurance workshop, I would of course have the damage or repair checked by an expert, because as a layman I can’t reproduce what m I hope you can give me tips. mfg DS

Hello together, here’s a question that has to do with cars and insurances, but it’s about a private stick. I hope, however, that maybe someone can give me a tip. Today, unfortunately, an 8-year-old has “been stuck” at my girlfriend’s vehicle while playing with a big stick. Result is a 4 cm long scratch that goes up to the primer. Since the car is only 1 year old we consider to have the damage repaired – on the other hand, it is “only” a car. Wi r have contacted the boy’s parents and they were also very friendly and have immediately reported the damage to your private liability. This told me that I can drive to Hyundai and they make an estimate which then goes to the insurance and then the car will be repaired after examination. NUN TO THE QUESTION: I can also fictitiously charge like with a classic car sticky light damage – so the car does not have to be repaired and the damage value paid out or is this with a private liability obligation not provided for? lg Sascha

Hi you guys, I don’t know if I’m here with my problem in the right area. If not, I ask you to move it to the right area. Or maybe you also have a page where I can be better helped Now to my case: More precisely, it’s about my sister… She stayed on 21.10.2010 with her Audi A3. Friends of her then called a “known” with a factory saddle who towed her and wanted to repair the car immediately. We/my Schwe ster explicitly ordered the car to be repaired only to the extent that it is ready to drive again. Everything else that would have been then we would have had it done in our correct factory saddle. We never got a correct invoice from him. He then demanded incl. VAT 311.66€ from us. What we could not understand until then, however, because we had not received any proof of the invoice or the like. I wrote him a reply to his admonition that we are still not willing to pay the amount because he would then have to pay no more than 137,14€ for it. We said that we will not pay this amount for it. From then on there were disputes. Half a year later, He wrote us a 3rd admonition (we have never received a first and second admonition) In addition, the wrong date is also stated on this admonition he wrote as the invoice date. I then wrote him a reply to his admonition that we are still not willing to pay the amount because he then now one year later, a letter from an official law firm in which we are asked to pay the amount. In this letter, however, the costs of repair are different from those that are on his 3rd reminder for example. In addition, there are also reminder costs of ten euros, interest, and fees for the lawyer where we are then at a final amount of 464,94€ Now I don’t know how The whole thing stinks up to the sky somehow But a legal protection was only made some time after this repair. What should you do now? Simply pay or make yourself stubborn I thank you already for your answers and for your help

Hello, it doesn’t really belong here but… I bought a used Golf IV 4 years ago with VW used car warranty and it always extended by one year in June. Last year, so June 2010, I filled out the application as usual and brought it to the car dealership. The responsible employee told me that everything was done for me. About 4 weeks later, I didn’t get a policy and no money was debited. I called there, and they told me that VW zz. is not going to follow. After 2 months the same game again, this time with the reason that you can’t explain it either. The same after the 3rd and 4th call… At some point I left it with the calls and trusted that the insurance was extended. So now it came as it had to come. I was in the workshop today and had to have a few repetitions for the TÜV, so about 800 euros. All material and work The nice employee told me that he can still remember the 4 conversations in total but could not tell me anything more about the extension of my insurance today. He would then contact me again tomorrow. What do you think about it, do I change that the insurance company will take over the repairs? Greetings